![]() If your regular income was disrupted by the pandemic, or you’d just like to give your bank balance a boost in 2021, it’s never been easier to turn your hobbies into cold cash. They only take a few seconds to download and install and could potentially reduce your online shopping bills by hundreds of dollars in the new year. ![]() ![]() Unless you price-check every item in your cart across multiple online stores, you’ll end up spending more than you need to when you click the checkout button.įortunately, a free browser extension is available that can instantly compare prices on everything in your cart against thousands of other online stores. However, those big-name e-tailers don’t always have the best prices. Websites like Amazon and make it easy to get everything you need all in one place, and you don’t even have to change out of your sweatpants. With lockdown measures dragging on into 2021, you can expect online shopping to remain the preferred method for the foreseeable future. This year saw more Americans than ever do their everyday shopping online. Now, when you start shopping around for a refi, you might be tempted to lock in the first bargain rate you see - but it’s important to shop around first before you commit to an offer.Ī study by the government-sponsored mortgage agency Freddie Mac found that comparing rates from at least five lenders can make a $3,000 difference in how much you save over time. There’s also a new 0.5% fee for refinancing that could cut into your savings, although there are several things you can do to avoid it. Good candidates should have a solid credit score and at least 20% home equity. Refinancing your mortgage now could save you hundreds of dollars a month - and tens of thousands over the course of your loan. Mortgage rates crashed throughout 2020, so if you haven’t already, looking into a refi should be your first order of business in 2021. Many online CFPs provide a free initial consultation, so you’ll be able to chat with them first and get a sense of what they bring to the table before you commit to a plan. Working with a financial planner is surprisingly affordable, and these days it can be done entirely online. If the pandemic threw a wrench into your plans, you may want to sit down with a certified financial planner (CFP) to help.Ī CFP can build you a personalized retirement plan based on your current situation and long-term goals and can provide valuable insight on how to make the most of your money in 2021. Get your retirement plan back on trackĪs anyone with a 401(k) can tell you, 2020 was a rough year for retirement savings. ![]() Check out how much you’re currently spending and then compare rates from at least three other insurance companies to make sure you’re getting a good deal.īy comparing rates for free online, you may be able to save up to $1,100 a year. The same logic can be applied to your other monthly expenses as well, like your car insurance. Prices can vary a lot between chains, and you could find that your usual go-to is not the best option. You might be able to cut down your grocery bills by trying out a few different stores in your neighborhood. Subscriptions like streaming services are a great place to start. You may have already adjusted your budget during the pandemic - maybe more than once - but as the year draws to a close it’s worth taking another look at your bills to make sure you’re not spending more than you need to.Ĭreate a list or spreadsheet of your monthly expenses and check whether any non-essential items can be trimmed from your budget. ![]()
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